Money Market Premium accounts are tiered accounts that earn higher rate dividends. There is a minimum daily balance of $10,000 required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the APY stated in the Rate Schedule. There is a fee of $15.00 in excess of three (3) manual withdrawals during the calendar month. This limitation does not apply to automatic transfers, ACH withdrawals or ATM withdrawals.